From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

Here you will find our latest articles, market commentary, and opinion pieces, most recent first.  

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Recent and aspiring first-time buyers

Analysis

21 July 2017

The findings from this year’s English Housing Survey show that, while first-time buyers are getting older and their incomes higher, the appetite for home-ownership from tenants remains undimmed.

Market commentary July 2017

Analysis

20 July 2017

The housing market has reached a plateau as activity and lending have been flat since the start of the year. Our gross mortgage lending estimate for June is £22.1 billion.

Are mortgage borrowers prepared for rising interest rates?

Analysis

17 July 2017

It is more than a decade since the Bank of England raised interest rates. But the overwhelming majority of mortgage borrowers are well prepared for an increase.

Market commentary June 2017

Analysis

22 June 2017

The housing market has stalled over the past few months, with volumes in line with our forecast. Our estimate of gross mortgage lending for May is £20.1 billion.

Largest mortgage lenders 2016 – smaller firms show the strongest growth!

Analysis

20 June 2017

Our list of the largest lenders in 2016 includes data on 60 firms. It shows that last year smaller firms saw some of the strongest growth in lending.

Digital change and the mortgage market

News

12 June 2017

Research we are publishing later this month will explore how digital change has the potential to transform the mortgage market.

Housing in Scotland: a key political issue

Analysis

30 May 2017

We look at how the market in Scotland compares to the rest of the UK, and review different housing practices and policies operating north of the border.

Market commentary May 2017

Analysis

25 May 2017

Our estimate of gross mortgage lending for April is £18.4 billion, up 4% year-on-year. Remortgage activity and first-time buyers continue to drive lending growth.

Housing in Wales rises up the political agenda

Analysis

17 May 2017

The Welsh housing market is more subdued than the rest of the UK. Housing policy is shaped by the Welsh government, but the UK general election will affect developments.

Interest-only: coaxing the cat out of the bag

Analysis

15 May 2017

Our latest annual report on the number of outstanding interest-only mortgages shows the same pattern of numbers continuing to fall. Since 2012, the total has declined by more than 40%.